MySuper Balanced option
Throughout your working life, your investment returns become as important as your contributions. The MySuper Balanced option aims to continue growing your savings to achieve a comfortable retirement for the longer term, while managing any market fluctuations to your savings.
The MySuper Balanced option is true to label: balanced across a broader range of return sources across our asset classes. Over the last 10 years to 30 June 2025, the option captured 90% of the median upside and avoided 23% of the median downside vs other peer funds2. It is more likely to outperform other funds in market downturns and to do well in stronger market conditions.
This is also the 'Balanced' option for CSC Retirement Income.
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Return objective
CPI +3.5% per year after fees and tax, over 10 years.
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Life stage (general guidelines):
Middle to late stage of working life, or pre-retirement.
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Estimated number of negative annual returns over a 20-year period:
4 to less than 6.
Who is this option suited for?
The MySuper Balanced option is designed to help your super grow over the long-term by striking a balance between growth and capital preservation. It may be a good fit if you plan to invest for at least 10 years and want exposure to a broad mix of investments¹ — including shares, property, infrastructure, bonds and cash. It aims to deliver strong long-term growth, with average returns of targeting returns of 3.5% above inflation.²
See the relevant Product Disclosure Statement (PDS) and Target Market Determination (TMD) for more information.
¹Includes exposure to both Australian and international markets, as well as actively managed investment strategies.
²To outperform the Consumer Price Index (CPI) by 3.5% per year after fees and tax, over 10 years.
Investment philosophy
CSC is focused on delivering dependable returns while carefully managing risk.
CSC’s highly experienced Investment team rigorously stress tests the portfolio across a range of scenarios to uncover and address any potential vulnerabilities.
Strong governance supports agile decision-making and the ability to capture first-mover advantage before others enter the market by identifying opportunities early to invest in future-ready businesses.
101 Collins Street Building
A landmark commercial building in Melbourne, Victoria owned by CSC.
With global best practice governance, proactive risk management and a forward-looking approach, CSC is well-positioned to deliver strong, long-term performance.
Performance
| Period | PSSap MySuper Balanced | ADF Super MySuper Balanced |
|---|---|---|
| 1 Year | 10.63 | 10.51 |
| 3 Years | 9.57 | 9.44 |
| 5 Years | 8.46 | 8.36 |
| 7 Years | 6.93 | 6.82 |
| 10 Years | 6.88 | |
| Investment performance as of 30 June 2025 and is calculated after fees and taxes. Past performance is no indication of future performance. |
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The ‘Balanced’ option has consistently outperformed peers in the SR50 Balanced Index2 for risk-adjusted returns3 ranking in top quartile for 1, 3, 5, 7 years4.
Allocations
| Asset class | ADF Super & PSSap MySuper Balance |
|---|---|
| Australian Shares | 25% |
| International Shares | 33% |
| Property | 3.5% |
| Alternatives | 13% |
| Fixed Interest | 12.5% |
| Cash | 13% |
| 100% | |
| For more details, see our target asset allocation and a full list of our current portfolio holdings. |
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1 The Standard Risk Measure (SRM) shows how often you might face negative returns over 20 years. It helps you understand risk and choose an investment that suits your super goals. Investment options and risk
2 The SR50 Balanced Index is a benchmark used by SuperRatings to compare the performance of Australian superannuation funds with balanced investment options, typically containing between 60% and 76% allocated to growth assets.
3 Risk-adjusted returns are calculated by the Sharpe Ratio calculating the excess return (the return above the risk-free rate) relative to the standard deviation (a measure of risk or volatility) of an investment. A higher Sharpe Ratio indicates a more favourable risk-return trade-off, meaning the investment is providing higher returns for each unit of risk.
4 SuperRatings' results for the period ending 30 June 2025.